2025 · Delaware
In 2025, 1,706 investment-property loans worth $454M were originated on single-family 1-4 unit homes in Delaware. Here's how those terms compared to the rest of the country.
Investor rate premium
76 bps
U.S. median: 76 bps
Denial rate
15.8%
U.S. median: 17.5%
DSCR / business-purpose
75%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Delaware
Rate premium
88 bps → 76 bps
-12 bpsInvestor loans
1,408 → 1,706
+21.2%Denial rate
17.6% → 15.8%
-1.8 ptsDSCR / business-purpose
68% → 75%
+6.9 ptsInvestors in Delaware borrowed at a median rate of 7.25%, versus 6.49% for owner-occupants — a 76 bps premium that ranks 24th of 51 states.
Their applications were denied 15.8% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
75% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 26% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Delaware carried a rate of 7.25% versus 6.49% for an owner-occupant — a premium of 76 bps. That ranks 24th of 51 states (1 = highest premium).
15.8% of investment-property applications were denied in Delaware in 2025, the 32nd-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
75% of investor loans in Delaware were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (9th of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.